P2P网络借贷的运营与法律监管

发布时间：2018-01-09 14:00

本文关键词：P2P网络借贷的运营与法律监管　出处：《经济问题》2014年12期 　论文类型：期刊论文

【摘要】：P2P网络借贷的迅猛发展给监管带来了巨大的挑战。在美国,P2P网络借贷实行由证券监管部门、银行监管部门、金融消费者保护局等多个部门共同监管的分散监管体制,对投资者的保护主要是通过证券监管实现的。英国自2014年4月起将P2P网络借贷纳入金融行为局(FCA)的监管范畴。我国尚未对P2P网络借贷予以监管,但P2P行业因涉及公众利益,出于风险防范和其健康发展的需要,监管问题必须尽快予以解决。由于P2P借贷公司从事的是类金融业务,故应由监管金融业务的机构予以监管。在我国现行的金融监管体制下,对P2P网络借贷实行统一监管的机构应为银监会。
[Abstract]:The rapid development of P2P network lending has brought great challenges to the supervision. In the United States, P2P network lending is implemented by securities regulatory authorities, banking regulators. Financial Consumer Protection Bureau and other departments to jointly supervise the decentralized regulatory system. Investor protection is mainly achieved through securities regulation. Since April 2014, the UK has incorporated P2P online lending into the Financial Conduct Office (FCA). China has not yet regulated P2P network lending. However, P2P industry involves the public interests, out of the need of risk prevention and its healthy development, regulatory problems must be resolved as soon as possible, because P2P lending companies are engaged in similar financial business. Therefore, it should be supervised by the institution that supervises the financial business. Under the current financial supervision system of our country, the institution that implements the unified supervision on P2P network lending should be the Banking Regulatory Commission (CBRC).
【作者单位】：山西财经大学法学院;山西财经大学晋商研究院;
【基金】：山西省留办2014年度回国留学人员科研资助项目(2014-047)
【分类号】：F724.6;F832.4;D922.287
【正文快照】： P2P,是person-to-person(人对人)或peer-to-peer(点对点)的英文简称,P2P网络借贷(onlineperson-to-person lending,或者online peer-to-peer lending)以其最一般的形式来说,可以定义为任何通过网络安排的、一个或多个个人借钱给一个或多个其他个人的交易。[1]根据国际证券委(I

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